Citi® Secured Mastercard®

Card details
on Capital One's secure website
4.6, 1620 votes
Card details
  • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
  • A security deposit is required for this product (minimum $200)
  • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
  • Use the card anywhere Mastercard® is accepted — worldwide
Purchases Intro APR N/A
Balance Transfers Intro APR N/A
Regular APR 23.49%* (Variable)
Annual Fee $0
Recommended credit score
Our Review
  • No annual fee
  • High credit limit
  • Reasonable APR
  • Solid fringe benefits

For people with bad credit history, this card may be the best option with which people don’t need to have the credit check. Unlike most secured cards, this card report to all three credit bureaus including Experian, Equifax, and TransUnion which ensure the good credit behaviors be noticed. Furthermore, this card offers more perks than other cards, like the rental car insurance, purchase protection, travel accident insurance and warranty coverage.


This card may not be proper for people with marred credit. For instance, it may deny your application if you once had a bankruptcy in the past two years. Unlike the Digital Federal Credit Union Visa Platinum Secured Credit Card, this card requires the balance transfer and cash advance fees.


If you are trying to rebuild your credit history, the Citi Secu